Buildings and Contents Insurance

Fixed for 2 years*

The smart way to buy Buildings and Contents Insurance is together in one single, combined policy, rather than as separate cover; insurers offer the best value deals to those that do and it also keeps things nice and simple if you need advice or have to make a claim.
At Policy Expert we work with the best quality providers to ensure all policies come with a good minimum level of cover as standard. Additionally, our broker status and flexible approach to optional extras means we can offer the guidance and flexibility needed so that your home and possessions are protected from damage, theft and loss in the right way, at the right price.
Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Premier

Buildings Insurance - Standard Cover in our policies:

  • Properties of most shapes, sizes and construction types covered, up to a rebuild value of £1 million.
  • Garages, sheds and outbuildings covered as standard.
  • Accidental Damage Cover for damage to mains services, fixed bathroom fittings and fixed glass only.
  • Alternative Accommodation for your family if your home becomes uninhabitable.
  • Trace & Access – Our insurers don't just fix the damage, they can also help to diagnose the root of the problem.
  • Property owner's liability insurance.

Optional Extras:

  • Extend your Accidental Damage Cover for full protection, whether it’s a foot through the bedroom ceiling or a nail driven into a pipe, you’re covered.
  • Add Legal Expenses Insurance to provide up to £50,000 of legal expenses towards protecting your home rights. Find out more.
  • Add Home Emergency Cover to give peace of mind when disaster strikes. Find out more.

Contents Insurance - Standard Cover in our policies:

  • Cover for typical household contents you keep in your home – choose your amount up to £100,000.
  • Alternative Accommodation if your home becomes uninhabitable (even if you don’t have Buildings Cover with us).
  • Accidental Damage Cover to protect from mishaps to mirrors, ceramic hobs and glass (such as oven doors and glass-topped tables). Some policies will cover damage to TVs, desktop PCs and games consoles as standard too.
  • Valuables and high-risk items cover provided as standard (total limits apply, ranging from £10,000 to £30,000 depending on insurer). No need to specify items worth less than £2,000 and you can cover individual items worth up to £15,000.

Optional Extras:

Here are a few commonly asked questions about Buildings and Contents Insurance

What sort of Home Insurance do I need?

Buildings Insurance covers the entire structure of your home, including roofs, walls, fences, hedges and gates. Most mortgage lenders require Buildings Insurance as part of the lending agreement.

If you do not own your property then you cannot insure it, however you may wish to purchase Contents Insurance which covers your belongings and valuables in your home.

If you need to purchase combined insurance then it is often better to buy them together in one single policy rather than as separate cover; insurers offer the best value deals to those that do and it also keeps things nice and simple if you need advice or have to make a claim.

Why choose Policy Expert?

  • We are rated the UK’s Number 1 Home Insurance provider!
  • We have a UK-based customer service and claims team
  • We provide online access to all of your policy documents
  • There are no hidden fees – what you see is what you get
  • All of our policies are written in Plain English, not insurance jargon
  • We can fix your price for two years

What you'll need to run a quote

  • Your address (type of property, roughly when it was built, number of rooms)
  • General information about your property such as the types of locks used
  • Who lives there, and when are people typically at home
  • How much would it cost to rebuild (we’ll suggest a figure based on your postcode)

Home Insurance Service Reviews

average customer rating for our service
(from 3,319 reviews)
5 5/5 Great Service
Nik was excellent providing a competitive renewal quote; very polite and professional. Reading some of the negative reviews below I can honestly say I've never had my arm twisted to renew unlike some insurance companies I could mention. Many thanks guys

5 5/5 bargain
much cheaper than rivals

4 4/5 Everything went very well and staff very friendly.
The whole telephone call was handled very professionally.

4 4/5 Straightforward and compares well to others
It was just like taking out insurance elsewhere, haven't made a claim so lets hope I don't have to and if I did their service is up to scratch. The separate credit agreement from another company is a bit weird and hope that doesn't lock you in to another year.

4 4/5 nice and smooth
it was good nice and smooth process and experience

5 5/5 Very quick, and good price
I recommend this company as they answer you asap, easy to talk too, n fantastic value

5 5/5 Competitive
Easy to renew, competitive pricing and a call centre that has staff who know what they are talking about and not so scripted!!!

5 5/5 Excellent choice
Very good policy in terms of cover. Easy to arrange. Very competitive price.

4 4/5 Quick and pain free!
Easy to use, happy with service

4 4/5 Home Insurance
No Hassle, Just straight forward.

5 5/5 Easy on line transaction.
This company did not have the lowest quote on offer. However once you took account of the extras provided like legal protection etc, this company was offering the best overall policy and the best market price. Don't just look at the lowest figure quoted or you may well find you are not getting the policy you require without adding extras which will then add to the cost.

5 5/5 Perfect.
Friendly, helpful, informative staff giving me the best policy at the best price.

4 4/5 Great service without hassle
Renewed my house insurance without any problems , I was phoned by policy expert regarding the renewal and as the price quoted was as near as dammit to last year , and still competitive , it was a no brainer to go ahead with the renewal . The employee who called me was courteous , informative , and was certainly on top of his job . No complaints at all . Everything was done very professionally

5 5/5 Good price good cover
So easy to do on line or over the phone

5 5/5 Good people to deal with
Found my quote via Go Compare and had to phone them up to clarify something. Extremely knowledgeable and helpful staff - and great price too.

5 5/5 Great service at the right price
Was able to get a great deal after checking on price comparison sites.

5 5/5 An easy experience
I did not respond to reminders as I was in hospital with a broken leg, however, on return I was contacted by telephone and renewed my insurance hassle free.

5 5/5 Great value
Just renewed home insurance for the same price as last year. Just great.

5 5/5 Easy fast transaction
The young lady that dealt with my insurance renewal was professional,precise,and a pleasure to discuss my requirements with.This is obviously a company that Invests on People

5 5/5 Great service
The gentleman who talked me through the policy, was both informative and helpful. He didn't push or try to force your company on me. I felt comfortable with my choice and that was due to him. Thank you.

Home Insurance Claims Reviews

average customer rating for our claims
(from 25 reviews 1)
5 5/5 First Class!

I would like to thank you for your communication with me over this claim.
I think the attention you have paid to my claim has been first class.
Thank you again

5 5/5 A personal thank you…

Just a short note to say a personal thank you for your prompt attention to my claim.
I am impressed by the willing attention to all matters leading to a prompt conclusion. Funds received today!

5 5/5 The service was outstanding

The service was outstanding from reporting the issue to resolving it last night. Can’t thank you enough.

5 5/5 Wow!

Wow! I’m so impressed! I never imagined this would be so straight forward, thank you so much for brilliant service

4 4/5 Quick response

This has been a very traumatic time which has been made easier with your quick response and efficiency. I really can’t thank you enough

5 5/5 Swift help and concern

Thank you for your swift help and concern, I really appreciates it and have been with this insurance for a few years and I’m pleased with everything that’s been dealt with

4 4/5 We can not thank you enough

We can not thank you enough for all your assistance and help

5 5/5 Policy Expert will always look after us

We want to thank Roy and all others at Trinity Claims Team who may be involved for the excellent service which we have received throughout the process of our claim.

There has been common sense, politeness, good will and fairness all the way.
And it has been carried out with speed too. Many many thanks.

Our house is now back to normal and we feel confident that Policy Expert will always look after us.

5 5/5 First ever claim

I’d also like to take this chance to say how overwhelmed I am with the speed with which you have dealt with my claim and the extraordinary level of customer service offered to me. This is the first time I’ve had to claim on my insurance and I’d like to say a special thank you to yourself, Toby and Alexia for making this process so much easier than I thought it would be.

4 4/5 Friendly and efficient

Just wanted to say thank you for your friendly and efficient handling our call this morning following our fire.
It was a frightening experience for us but you certainly helped.
Once again, thank you

5 5/5 Polite, helpful and understanding

I would also like to take this opportunity to express my gratitude for the service I have received from you and your team.

On every occasion that I spoke to people they were all polite, helpful and understanding. This has made the difficult event I have had to experience a little easier to deal with

4 4/5 Such a smooth process

I’m really pleased with how easy and smooth the entire process has been. When I come across a company like yours and I do get good customer service, it’s a surprise and a pleasure

5 5/5 Good working practice

Once again I am staggered by your efficiency and good working practice. You may not appreciate just how reassuring it is to feel your insurance company is doing its best to help.
I have passed on your details for when it is time for them to re-new their policy.
Us alike will, because of the way this claim has been handled re-new our policy with you and perhaps look into changing some of our other policies.

5 5/5 Thank you

Thank you for all your help with our claim. You have helped to minimize the stress and sadness this incident has caused.

Many thanks for all your time and understanding on all of this, and thank you for understanding the situation and working so hard on our behalf

5 5/5 Our first insurance claim in 47 years of marriage

Thank you and your colleagues for assisting my claim . Yesterday Martindales installed replacement doors to our satisfaction we have been well supported by your company and in particular the staff throughout our claim. This is our first insurance claim in 47 years of marriage, we thank you all for your care and attention and hope to keep claim free in the future.

more reviews

Home Insurance Guides

Garden Insurance

When making a claim for garden contents, Home Insurance policies often have a greater number of exclusions and limitations.

Protecting your home during Building Works

Many homeowners don’t realise that if they make home improvements in the wrong way they could be completely invalidating their home insurance.

Types of Home Insurance cover

When you’re comparing quotes it’s important to understand the different types of home cover available, and the extras you might need to add.

Guide to Home Insurance

Home insurance offers a vital financial safety net by covering damage, loss or theft involving a building’s structure and contents.

Gadget Insurance

If your gadgets were stolen or broken, it could potentially have a devastating effect, so its important to make sure you’re properly covered.

Guide to Buildings Insurance

Buildings insurance is essential for anyone who owns a property as it covers the cost of repairing or rebuilding a building’s structure.

Optional Extras:

Home Emergency

Home Emergency

Boiler broken down? No running water? This cover aims to get an approved tradesperson to you within 2 hours.

Key Cover

Key Cover

Providing round-the-clock protection and support including replacements and locksmith call out charges.

Cycle Cover

Cycle Cover

Extends your contents cover to include bicycles away from home or worldwide with Extended Bicycle Cover.